Benefit Page Exclusions

Loyalty Status: New Credit Cards are opened with Silver status. Purchases on your Macy’s Credit Card at Macy’s in the previous full calendar year, less returns, credits, discounts, and adjustments, will be used to calculate your Status for the next year. Macy’s Credit Cards will be upgraded to Gold status 7 days after spending $500-$1,199 at Macy’s on your Macy’s Credit Card. Macy’s Credit Cards will be upgraded to Platinum status 7 days after spending $1,200 or more. Credit Cards that are upgraded will remain at that level for the remainder of the current calendar year.

5% Back in Rewards (Platinum): Macy’s Credit Cards with Platinum status earn 5 points per $1 spent on Rewards Earning Purchases at Macy’s, Macy’s Backstage and macys.com with a Macy’s Credit Card, less returns, credits, discounts and adjustments. Points are not earned on purchases made outside of Macy’s, Macy’s Gift Cards, services (e.g., Beauty Box and other subscription services, restaurants, salon services, alterations, etc.), in any department that does not use a Macy’s point of sale register, fees, sales tax, when redeeming Star Money, Macy's Rewards Cards or Macy’s Gift Cards, or when paying with a virtual wallet, even if you’re paying with a Macy’s Credit Card in the virtual wallet. For every 1,000 points, a $10 Star Money reward will be issued that is valid for 30 days. Star Money expires 30 days after issuance.

3% Back in Rewards (Gold): Macy’s Credit Cards with Gold status earn 3 points per $1 spent on Rewards Earning Purchases at Macy’s, Macy’s Backstage and macys.com with a Macy’s Credit Card, less returns, credits, discounts and adjustments. Points are not earned on purchases made outside of Macy’s, Macy’s Gift Cards, services (e.g., Beauty Box and other subscription services, restaurants, salon services, alterations, etc.), in any department that does not use a Macy’s point of sale register, fees, sales tax, when redeeming Star Money, Macy’s Rewards Cards or Macy’s Gift Cards, or when paying with a virtual wallet, even if you’re paying with a Macy’s Credit Card in the virtual wallet. For every 1,000 points, a $10 Star Money reward will be issued. Star Money expires 30 days after issuance.

2% Back in Rewards (Silver): Macy’s Credit Cards with Silver status earn 2 points per $1 spent on Rewards Earning Purchases at Macy’s, Macy’s Backstage and macys.com with a Macy’s Credit Card, less returns, credits, discounts and adjustments. Points are not earned on purchases made outside of Macy’s, Macy’s Gift Cards, services (e.g., Beauty Box and other subscription services, restaurants, salon services, alterations, etc.), in any department that does not use a Macy’s point of sale register, fees, sales tax, when redeeming Star Money, Macy’s Rewards Cards or Macy’s Gift Cards, or when paying with a virtual wallet, even if you’re paying with a Macy’s Credit Card in the virtual wallet. For every 1,000 points, a $10 Star Money reward will be issued. Star Money expires 30 days after issuance.

1% Back in Rewards (Bronze): Star Rewards members with Bronze status earn 1 point per $1 spent on Rewards Earning Purchases at Macy’s, Macy’s Backstage and macys.com, less returns, credits, discounts and adjustments. Points are not earned on purchases made outside of Macy’s, Macy’s Gift Cards, Macy’s Gift Cards, services (e.g., Beauty Box and other subscription services, restaurants, salon services, alterations, etc.), in any department that does not use a Macy’s point of sale register, fees, sales tax, when redeeming Star Money, Macy’s Rewards Cards or Macy’s Gift Cards, or when paying with a virtual wallet. For every 1,000 points, a $10 Star Money reward will be issued. Star Money expires 30 days after issuance.

Free Shipping: Offer applies to standard shipping to one location in the contiguous U.S. and may be applied to premium or overnight shipping for an upgrade fee. A $10 shipping surcharge on domestic orders applies to customers living outside the contiguous United States: Hawaii, Alaska, Puerto Rico, Guam, American Samoa, Micronesia, Marshall Islands, North Mariana Islands, Palau and U.S. Virgin Islands. Shipping offer does not apply to furniture, mattresses, rugs, or prior purchases. Free shipping of purchases in Macy’s stores applies when you are shopping in a store that does not stock a particular item but it is available at another store and payment is made with a Macy’s Credit Card with Gold or Platinum status. Due to size and/or weight, certain items bear a shipping surcharge, which will still apply.

Star Pass Coupons: Exclusions apply and are disclosed on each Star Pass. We must have your current address and you must not have opted-out of receiving marketing mail from Macy’s as of the date we prepare Star Pass mailings

Star Money Bonus Days: On Star Money Bonus Days, Star Reward members with the designated loyalty status or statuses may earn points on Macy’s purchases at a level as described at the time an offer is made. Macy’s is under no obligation to offer any particular number of Star Money Bonus Days.

Perks & Offers: From time to time Macy's Cardholders and Bronze members may receive perks and offers when they shop with their Macy’s Credit Card Star Rewards or membership. The value of each perk and offer may differ and there is no guarantee of a certain number. Purchase may be required and perks and offers may be good for a limited time.

Birthday Surprise: The primary Cardholder on an Macy’s Credit Card and Bronze members will receive a birthday surprise during their birthday month. The value of the birthday surprise may vary for each member. Purchase may be required. To receive a birthday surprise, you must have made a purchase at Macy’s or macys.com on your account or with your membership in the past 12 months. We must have your current address and you must not have opted-out of receiving marketing mail from Macy’s as of the date we prepare Birthday mailings. You may need to visit a Macy’s store to receive your birthday surprise.

3.2.1% OOS Rewards: Get 3 points per $1 spent on your Macy’s American Express Card at restaurants. Restaurants are defined as stand-alone merchants in the U.S. that primarily serve food. Purchases made at a restaurant located within another establishment will not qualify for points. Get 2 points per $1 spent on your Macy’s American Express Card at gas stations and supermarkets. Gas Stations are defined as stand-alone merchants in the U.S. that primarily sell gasoline. Superstores, supermarkets, convenience stores and warehouse clubs that sell gasoline are not considered gas stations. Supermarkets are defined as stand-alone merchants in the U.S. primarily selling supermarket products, excluding superstores and warehouses. Macy’s American Express Cardholders will receive 1 point per $1 spent on all other qualifying purchases made when using the Macy’s American Express Card outside of Macy’s. The following transactions do not earn points when using the Macy’s American Express Card outside of Macy’s: cash advances, money orders and other cash equivalents. American Express determines the industry category for merchants, but Macy’s reserves the right to determine which purchases qualify for points.

Entertainment Access: Offer valid in select cities. During the specified sales period, tickets are available to all Macy's American Express® Cardholders. Tickets must be purchased with a Macy's American Express Card. Standard service charges apply. Offer is subject to availability. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Cardholders with disabilities.

Macy’s may change or terminate the program at its discretion without notice. If you are a Macy’s Credit Cardholder, your Macy’s Credit Card must be open and not delinquent to receive benefits. See the Macy’s Star Rewards Terms & Conditions at macys.com/starrewardsterms for complete program details.

No Annual Fee: As of March 19, 2020, APR 25.24% (rates may vary with the market based on the Prime Rate). Minimum Interest Charge: $2.00. Cash Advance Fee: The greater of $5.00 or 4% of the amount of each cash advance. Transaction Fee for Purchases in Foreign Currency: 3% of the U.S. Dollar amount of each purchase. See Credit Card Agreement for details.